Share-Secured Loans

Share-Secured Loans

You've trusted us enough to bank with us. And to us, that means something. That's why we offer share-secured loans. Use your savings account or certificates to secure low-interest lending.

Share-Secured Loans feature our lowest rate with flexible payment options. Deposits continue to earn dividends on savings. And they're also very effective at building or repairing bad credit. Keep your savings intact and still finance your needs by applying today.

  • 3% rates, our lowest loan rates available
  • Continue to earn dividends on savings
  • Flexible terms and easy monthly payments
  • Terms up to 6 years
  • Help you build or repair credit
  • Can be secured by any type of savings except IRAs
  • Avoid drawing from savings accounts
  • Share Certificate Secured Loans are also available in the amount of principal in the certificate*
  • Experienced loan advisors whose focus is on you
  • Local decision-making and processing for a quicker turnaround
  • Customized service to your unique situation

*The maximum term for loans secured by a share certificate is the term of the share certificate.

Payment Protection

It's important to us at Credit Union of Atlanta to provide peace of mind to our members. That's why we offer Payment Protection credit life and credit disability insurance through CUNA Mutual Group, which includes the following features:

  • Credit Disability makes a member's payment to the credit union should they become unable to work due to an illness or an accident.
  • Credit Life pays off the member's outstanding loan balance should the member die during the term of the loan.
  • Credit Life "At Work Clause" – If a member is a homemaker, retiree, or student, they are eligible for Credit Life Insurance*
  • Statement of Insurability – If an eligible member requests insurance within 30 days after the loan advance, they will be eligible for coverage if they provide a satisfactory Statement of Insurability to CUNA Mutual.
  • Expiration of Insurance:
  • On the date of death
  • On the date the loan is transferred to another creditor
  • On the date the loan stops
  • On the last day of the month the credit union is notified by the member to terminate insurance
  • When the member reaches the maximum age
  • Or the last day of the month in which the loan is three months past due

*Eligibility occurs only if they are performing all of the usual duties of a homemaker, retiree, or student in the normal manner on the date of the initial advance and are not receiving disability benefits from any source.

Learn more about pricing information and a breakdown of all the benefits included with Payment Protection.